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Unfortunately, neither Overdraft Courtesy nor Debit Card Coverage will eliminate the Overdraft fees. If you want to eliminate these fees, please consider other services such as a Preferred CreditLineSM or Savings Overdraft Transfer. For more information, visit overdraft solutions.
Assistant Vice President, Commercial Banking Officer
American Savings Bank
Direct: (808) 539-7648
msaito@asbhawaii.com
Miyu Saito joins American Savings Bank as a commercial banking officer with nearly 5 years of experience in finance.
She joined ASB as an intern in 2022 and was quickly promoted to commercial credit analyst and advanced to commercial banking officer in 2025, gaining strong expertise in commercial credit management.
Born in Japan and raised in Hawaii, Miyu is passionate about bringing real impact to the community and is an active member of the Chamber of Commerce Hawaii Young Professionals. She has volunteered her time to support young children and women development through The Bella Project Hawaii and St. Clement’s Preschool.
Miyu holds both a bachelor’s and master’s degree in finance from the University of Hawaii at Manoa.
In her spare time, she enjoys spending time with family and friends, rhythm cycling and Pilates.
American Savings Bank strives to ensure that its digital services are accessible to people with disabilities. American Savings Bank has invested significant resources to provide greater digital access to users, including people with disabilities.
In the sections below, we elaborate on the various efforts undertaken to provide greater digital accessibility. A key element of our accessibility initiative is our engagement with a third-party accessibility consulting organization UserWay to use industry standard accessibility methods and tools.
www.asbhawaii.com makes available the UserWay Website Accessibility Widget that is powered by a dedicated accessibility server. The Widget offers user-triggered enhancements that allow visitors to improve the accessibility of the site. These features will, when selected, increase font size, pause animations, change color contrast, and more. People can choose combinations that suit their needs, as per WCAG Level AAA.
The site has enabled Automated Remediation Technology (ART) for all visitors, whether they use assistive technology or not. ART does not detect Assistive Technology usage; rather, it improves accessibility for all site visitors regardless of ability by deploying remediation capabilities such as (not a complete list):
We are here to assist you and make your experience as smooth as possible. If you encounter any digital accessibility issues with our products or services, or need information related to digital accessibility, please contact us. Also, we appreciate and welcome feedback, and we are always ready to embrace suggestions for enhancing our digital accessibility efforts.
We take accessibility seriously and will get back to you shortly.
May 12 - June 6
By making a gift today, your monetary donation goes a long way. Hawai‘i Foodbank can stretch your dollars further to support safe food access for all members of our ‘ohana. Just $10 helps provide food for more than 20 meals. All money collected will support Hawaii Foodbank on Oahu, The Food Basket on the Big Island, Maui Food Bank and the Hawaii Foodbank – Kauai.
or text "HBA1" to 71777*
*Message and data rates may apply.
or text "HBA1" to 71777*
*Message and data rates may apply.
Vice President, Commercial Banking Officer
American Savings Bank
Direct: (808) 539-7637
kdaley@asbhawaii.com
Kara joins the Commercial Banking team with nearly 20 years of finance experience. As a seasoned commercial banking officer, she is committed to making dreams possible for her business clients with tailored solutions.
Prior to joining ASB in 2025, Kara held leadership roles at Hawaii Green Infrastructure Authority, Bank of Hawaii, First Hawaiian Bank and AXA Advisors. Born in Honolulu and raised in Maui, she values the deep connections she shares with her clients. Her background in nonprofit work has reinforced her belief in the power of financial education, which she remains dedicated to sharing with the community.
Committed to bringing real impact to the community, Kara serves as a grant director for the Minami Community Foundation and volunteers with Junior Achievement and her daughter’s swim team, Aulea.
Kara holds a bachelor’s degree in finance and international business and an executive MBA from the University of Hawaii at Manoa. In her spare time, she enjoys surfing, hiking, traveling, cooking and spending time with loved ones.
Funding will support programs for Lahaina homeowner recovery, affordable housing, financial education and Aala Park revitalization
American Savings Bank (ASB), in collaboration with the Federal Home Loan Bank of Des Moines (FHLB Des Moines), awarded $625,000 to six Hawaii nonprofits through the FHLB Member Impact Fund. This significant contribution represents a quarter of all funds awarded to Hawaii organizations and will support a range of initiatives focused on affordable housing, financial education and community revitalization, including Lahaina homeowner recovery efforts.
“As American Savings Bank celebrates its 100th year of serving Hawaii’s residents, businesses and communities, the generous support from FHLB Des Moines’ Member Impact Fund allows us to maximize our community impact and support organizations providing critical resources across our state,” said Ann Teranishi, president and CEO at American Savings Bank. “At a time when many local families are struggling to make ends meet, these funds will directly improve the supply and access to affordable housing and enhance the quality of life for residents.”
This year, the FHLB Member Impact Fund provided a 1.5x match for every $1 contributed by ASB to the six nonprofits below. In total, ASB and FHLB Des Moines have infused a total of $3.27 million into Hawaii communities over the past three years.
The FHLB Member Impact Fund, created in 2023, provides vital support and funding to not-for-profit and government organizations in Hawaii, Utah and Guam. In total, 56 grants were awarded this year to 19 member financial institutions.
“The Member Impact Fund enables our members to directly support local organizations that matter to them, creating value and a profound impact in their own communities,” said Kris Williams, president and CEO of FHLB Des Moines. “The commitment of our members to champion their local organizations inspires us all.”
In Hawaii, over 50% of renters spend more than 30% of their income on housing. Native Hawaiians continue to face disproportionate rates of homelessness, and only 20% of households can now afford a single-family home, down from 44% in 2021.
“Each year, 15,000 Native Hawaiians with deep roots in Hawaii are forced to leave due to the high cost of living,” said Kuhio Lewis, CEO at the Council for Native Hawaiian Advancement. “With this funding, CNHA can advance the development of 83 single-family homes on Hawaii Island, increasing homeownership opportunities for Native Hawaiians and creating long-term stability. We mahalo ASB and FHLB Des Moines for helping us move this project forward and supporting sustainable community development.”
On May 8, grant recipients were celebrated and recognized at the ASB Campus.
Karwin Sui
Communications Manager
(808) 539-7268
ksui@asbhawaii.com
Use your debit card at any Buy Local HawaiiSM merchant and get extra discounts!
*Offer is valid from June 1, 2025 to June 30, 2025, when you 1) opt-in to this promotion and 2) make in-store point-of-sale or online purchases (money transfers, ATM withdrawals, peer-to-peer transfers, micro-deposits, and check payments do not qualify as purchases) with your ASB Visa® Debit Card at the merchant categories specified in your offer letter. Valid transactions that are made from a merchant within the U.S. (less returns, chargebacks, reversals etc.) must be made, post and settle to your checking account within the promotion period to receive 5% on all merchants within these categories up to $100 (gift). For online purchases, the posting date may be different from the transaction date. Merchants submit transactions to ASB. ASB does not have control over when a Merchant submits transactions for processing. A merchant may seem to fit one of the categories, but may not have a merchant category code (MCC) in that category. Merchants are given a MCC based on the normal products and services that they offer. American Savings Bank (ASB) does not assign MCC to merchants. The cash back will be credited to your checking account by July 11, 2025. Only one gift per card per customer. This offer is valid for the intended recipient and card referenced in the mailer. If the referenced card closes, you will not be eligible for the cash back. Cash back may be considered income and reported to the IRS.
Fifth Maui location and $10,000 donation to Maui Economic Opportunity demonstrate ASB’s commitment to serving and uplifting Valley Isle communities
American Savings Bank (ASB) announced today the grand opening of its new Lahaina Branch at Lahaina Cannery Mall (1221 Honoapiilani Hwy K-8), reinforcing its continued commitment to serving the Lahaina community. At the celebration, ASB presented a $10,000 donation to Maui Economic Opportunity (MEO) in support of the island’s ongoing wildfire efforts.
“American Savings Bank is excited to open its fifth Maui location, which allows us to better serve our Lahaina customers and community,” said Ann Teranishi, president and CEO at American Savings Bank. “Our goal was to reopen in a convenient and accessible location and we’re proud to welcome everyone into this new space. Mahalo to our incredible Maui teammates for the care and compassion they’ve shown our customers and community.”
ASB’s previous Lahaina branch on Papalaua Street was destroyed in the Maui wildfires. ASB selected Lahaina Cannery Mall for its newest location because of its accessibility and central location. The Lahaina Branch features two teller windows, one private consultation space and two full-service ATMs. The branch is open Monday through Friday, 9:30 a.m. to 4:00 p.m.
“We’re grateful to have American Savings Bank back in Lahaina,” said Maui County Mayor Richard Bissen. “Their continued presence and support, including their contribution to Maui Economic Opportunity, reflect their ongoing commitment to our community as we move forward in recovery together.”
The $10,000 donation builds on ASB’s ongoing support of more than $550,000 in monetary contributions and furthers MEO’s mission to empower and uplift individuals and families through vital support services.
“We are deeply appreciative to American Savings Bank for their generosity and support,” said Debbie Cabebe, CEO of Maui Economic Opportunity. “This gift allows us to continue helping those in our community who have lost so much and ensures they have access to the critical resources they need.”
With this addition, American Savings Bank now operates 36 branches across five islands – including five on Maui – and offers service seven days a week through its Customer Banking Center, except bank holidays.
Karwin Sui
Communications Manager
(808) 539-7268
ksui@asbhawaii.com
Please call us at (808) 627-6900 or toll-free at (800) 272-2566 during business hours or send a secure message and we’ll assist you with this request.
Your account should automatically be visible in online and mobile banking, but if you are unable to view your HELOC account, contact the Customer Banking Center at (808) 627-6900 or toll-free at (800) 272-2566 during business hours.
